J. Joseph Edwards, 59, chairman of the American Bankers Association's Community Bankers Council, says his constituents bankers should be more concerned about competition from the likes of Charles Schwab and Microsoft than from out-of-state bank companies. The president of $225 million-asset United Bank Corp., Barnesville, Ga., believes bankers must use technology to compete effectively, He is working on an ABA computer network for bankers. Mr. Edwards, who holds an MBA and a bachelor's degree in finance from Emory University in Atlanta, worked in the family peach-canning business for 10 years before joining his father's bank in 1969. He started his year as chairman of the Community Bankers Council in October. As the group prepared for its national conference this week in Orlando, he discussed community banking issues with the American Banker.

Q.: Your focus as chairman of the CBC has been on technology instead of regulatory issues. Why?

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